Figo | Pet Insurance Review

After calling ahead to make sure the test recommended by a veterinarian was one covered, Figo denied the claim. This would have been only for $98 because deductible is $200 and test is $298. This is with over a year and a half of paying the higher premium to have a lower deductible, and this was the first claim in this entire time of having two dogs on the plan. If they deny this small amount to a dedicated client, I dread what they would argue if it was more $ involved such as with an accident or disease. Looking at the rating they have, 7.8, I am not not surprised at this low satisfaction score. I can no longer recommend Figo to clients. I work in training and I volunteer with rescues and shelter clinics with cats and dogs, and I often and asked my experience or opinion on pet insurance. I'm in Chicago and I wanted to support this company being Chicago based. I am very disappointed and sad about how they have handled this and how they disregard the importance of dedication from customers and word of mouth regarding recommendations. I definitely have a bad feeling now for this company, and they have devalued my trust and they have lost it now.

I strongly recommend against this pet insurance, they have denied every single one of my 4 claims so far, $0 YTD. As a new client, this is very disheartening and only speaks to the way insurance is built, they are meant to make money off of premiums and deny as many claims as possible. This company is no different, and will only follow the same tactics. They have so many different codes/reasons for denial. They may seem to be better and more tech savvy than other companies when viewing their website and offerings but don't let this fool you, there is definitely a lack of really caring for your pet and you will end up as just another policy number for them to make money off of. All they will get is bad word of mouth from me moving forward.

I strongly recommend against this pet insurance, they have denied every single one of my 4 claims so far, $0 YTD. As a new client, this is very disheartening and only speaks to the way insurance is built, they are meant to make money off of premiums and deny as many claims as possible. This company is no different, and will only follow the same tactics. They have so many different codes/reasons for denial. They may seem to be better and more tech savvy than other companies when viewing their website and offerings but don't let this fool you, there is definitely a lack of really caring for your pet and you will end up as just another policy number for them to make money off of. All they will get is bad word of mouth from me moving forward.

First I would like to thank Laura for going above and beyond helping me out with my claim it's because of her and her time to listen that all turned out well. I have a two-year-old Shepherd which I purchase the insurance for about a year ago. He already had a pre-existing condition of seizures due to mild encephalitis. While under the insurance policy he developed IBD and a motility issue. At first my claim was denied saying it was a pre-existing condition. After I submitted all my documentation and a letter from the doctor stating my dog's issue and that it was not a pre-existing condition Figo reopen the case and my claim was paid. Thank you for all your help during this rough time. For anybody looking for pet insurance I highly recommend them

They do not quality anything for a claim. They are quick to deny a claim and are horrible at being an insurance company. We pay extra for the `100% reimbursement and they deny everything. Apparently if your dog ever sneeze and then needed a test done about a stomach issue they claim it was preexisting because of the sneeze. They are quick to close your case and even quicker to deny you reimbursement. They tend to disregard your asking why and they refuse to pay out. I would avoid this company for they are not worth it the cost.